Cape Coral-area carriers, real enrollment data, free quotes from a licensed Florida agent.
✓ Free • no obligation • about 90 seconds
Matt Giron
Licensed in Texas
Lee County, FL has 226,204 Medicare beneficiaries per CMS Q1 2024 data, with about 51% enrolled in Medicare Advantage. The top medicare supplement carriers are Humana Gold Plus H1036, UnitedHealthcare AARP Medicare Advantage Plan 1, Aetna Medicare Premier. We compare these plans for free and never charge a fee.
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About 51% of Lee County's 226,204 Medicare beneficiaries are in Medicare Advantage — right around the national norm — so you'll find a genuine mix of competitive MA plans and Medigap options here rather than a one-sided market. The county skews older than the Florida average (30% are 65 or older), which means heavy carrier competition and meaningful plan turnover each Annual Enrollment Period — a yearly review almost always pays off. Humana Gold Plus H1036 currently leads the county by enrollment, but the lowest total-cost plan for your specific drugs and doctors is often a smaller carrier — which is why we run all of them side by side instead of pushing the biggest name. Right now roughly 40 Medicare Advantage plans are available in Lee County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
What makes Lee County different: Hurricane Ian rebuild zone (Cape Coral / Fort Myers Beach). 30% age 65+. Term life + final expense positioning around hurricane prep is the natural funnel.
Humana Gold Plus H1036 (HMO)
4-star CMS rating
UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)
4-star CMS rating
Aetna Medicare Premier (PPO)
4-star CMS rating
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
Each Medicare Supplement plan builds its own provider network — a hospital that's in-network on one plan may be out-of-network on another. Lee County has 3 major hospital systems. Before you enroll, check that your preferred hospital and physicians participate in the specific plan you're considering.
Call each hospital's billing office directly — or use the carrier's network tool on the right to search by hospital name.
Free help in Lee County: Florida SHINE — Lee — call 1-800-963-5337. SHIP counselors offer free unbiased Medicare guidance and can run network checks at no cost.
Or skip the cross-checking — we run network checks against your prescriptions and doctors at no cost during any consult.
131 daysuntil open
Outside the windows, Special Enrollment Periods (SEP) still let you change plans if you moved, lost coverage, qualify for Extra Help / dual eligible, or had a plan terminated. Call to see if you qualify.
Check SEP eligibility (15-min) →Pick a time on Matt's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Lee County plans that fit your situation.
About 226,204 Floridians in Lee County are enrolled in Medicare as of May 2026 CMS data. About 51% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
The largest carriers in Lee County are Humana Gold Plus H1036 (HMO), UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO), Aetna Medicare Premier (PPO). We work with all of them and a few smaller carriers that often have better rates for specific situations.
Florida SHINE — Lee (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Lee Memorial Hospital, HealthPark Medical Center, Gulf Coast Medical Center.
As of May 2026, about 40 Medicare Advantage plans are available to Lee County residents, led by UnitedHealth Group, Inc., Humana Inc., CVS Health Corporation, Guidewell Mutual Holding Corporation. We compare all of them side by side at no cost.
In Cape Coral's Hurricane Ian rebuild zone, Medicare Supplements like Plans G, N, and high-deductible G can provide essential coverage gaps for unexpected medical expenses during storms. Get a free quote from our local agent to ensure you're prepared.
Enroll during Annual Enrollment Period (AEP) Oct 15-Dec 7 or Special Enrollment Periods (SEPs) if you have a qualifying life event. Matt can help you compare options and choose the right plan for your needs.
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